MIRA INFORM REPORT

 

 

Report Date :

18.11.2013

 

IDENTIFICATION DETAILS

 

Name :

CYBERABAD CITIZENS HEALTH SERVICES PRIVATE LIMITED

 

 

Registered Office :

Door No.1-100/1/CCH, Nallagandla Village, Serilingapally Mandal, Hyderabad – 500 019, Andhra Pradesh

 

 

Country :

India

 

 

Financials (as on) :

31.03.2012

 

 

Date of Incorporation :

15.04.2008

 

 

Com. Reg. No.:

01-058679

 

 

Capital Investment / Paid-up Capital :

Rs.358.358 Millions

 

 

CIN No.:

[Company Identification No.]

U85110AP2008PTC058679

 

 

TAN No.:

[Tax Deduction & Collection Account No.]

HYDC04247F

 

 

PAN No.:

[Permanent Account No.]

AADCC6498E

 

 

Legal Form :

Private Limited Liability Company

 

 

Line of Business :

Subject is engaged in the business of Design, Construction and Running of all Kinds of Hospitals, Dispensaries, Nursing Homes, Clinics, Laboratories, Diagnostic Centers, Health Clubs, Health Cities and Medical Educational Centers.

 

 

No. of Employees :

Not Available

 

 

RATING & COMMENTS

 

MIRA’s Rating :

B (28)

 

RATING

STATUS

PROPOSED CREDIT LINE

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

Small

 

Maximum Credit Limit :

USD 1644000

 

 

Status :

Moderate

 

 

Payment Behaviour :

Slow but correct

 

 

Litigation :

Clear

 

 

Comments :

Subject is an established company having a moderate track record.

 

Reserves of the company appears to be slow.

 

However, trade relations are reported as fair. Business is active. Payments are reported to be slow but correct.

 

The company can be considered for business dealings with some caution. 

 

NOTES:

Any query related to this report can be made on e-mail : infodept@mirainform.com while quoting report number, name and date.

 

ECGC Country Risk Classification List – March 31st, 2013

 

Country Name

Previous Rating

(31.12.2012)

Current Rating

(31.03.2013)

India

A1

A1

 

Risk Category

ECGC Classification

Insignificant

 

A1

Low

 

A2

Moderate

 

B1

High

 

B2

Very High

 

C1

Restricted

 

C2

Off-credit

 

D

 

INDIAN ECONOMIC OVERVIEW

 

The current downturn provides an opportunity to push ahead with reforms to accelerate growth, says the latest India Development Update report released by the World Bank. The report says that the adverse effects of rupee depreciation are likely to be offset by the gains in the exports performance due to improved external competitiveness. Since May this year, the local currency has depreciated substantially and fell to a record level of Rs 68.85 to a dollar on August, 28.

 

A stagflation like situation appears to have arisen as inflation jumped to an eight month high of 6.46 % for the month of September. It is up from 6.10 % in August. Growth continues to be muted with factory output plunging to 0.6 % in August. Onion prices have risen nearly 300 % from last September. Vegetables cost nearly 90 % more than they did last year. Wake up to the economic contribution of slum dwellers. They contribute more than 7.5 % to the country’s gross domestic product, according to a recent study conducted in 50 top cities.

 

136000 estimated number of jobs created during the second quarter of the current financial year. 50000 estimated number of additional jobs in the field of corporate social responsibility in the coming years.

 

The International Finance Corporation expects to come out with its rupee linked bonds issue before the end of 2013 as a part of its plan to raise $ 1 billion. The Apple iPhone 5c (Rs 41900 for 16 GB variant) and 5s (Rs 53500 for 16GB variant) has been launched in India from 1st November.

 

The Land Acquisition Act to provide just and fair compensation to farmers will come into force from January 1 next year, said Rural Development Minister Jairam Ramesh. The Act replaces a 119 year old registration. The Securities and Exchange Board of India has approved the trading of currency futures on the Bombay Stock Exchange. The exchange plans to launch the currency futures platform with advanced trading technology by the end of November.

 

EXTERNAL AGENCY RATING

 

Rating Agency Name

ICRA

Rating

Term Loan=B+

Rating Explanation

Have high risk of default.

Date

December, 2012

 

 

RBI DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available RBI Defaulters’ list.

 

EPF (Employee Provident Fund) DEFAULTERS’ LIST STATUS

 

Subject’s name is not enlisted as a defaulter in the publicly available EPF (Employee Provident Fund) Defaulters’ list as of 31-03-2012

 

LOCATIONS

 

Registered Office :

Door No.1-100/1/CCH, Nallagandla Village, Serilingapally Mandal, Hyderabad – 500 019, Andhra Pradesh, India

Tel. No.:

91-40-67191919

Fax No.:

91-40-67191911

E-Mail :

sreenivasug@citizenshospitals.com

salimp@americanoncology.com

Website :

www.citizenshospitals.com

 

 

DIRECTORS

 

AS ON 29.09.2012

 

Name :

Mr. Rudraraju Panduranga Raju

Designation :

Whole-time Director

Address :

1-111/4/B/1202, Aparna Towers, Kondapur, Ranga Reddy, Hyderabad – 500 084, Andhra Pradesh , India

Date of Birth/Age :

02.06.1948

Date of Appointment :

05.02.2011

DIN No.:

01274920

Other Directorship:

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U01110AP1995PTC021985

SRUSMITHA ESTATES PRIVATE LIMITED

Director

12/10/1995

12/10/1995

26/11/2012

Active

NO

2

U01210AP1996PTC022876

SMITHA ESTATES PRIVATE LIMITED

Director

12/01/1996

12/01/1996

26/11/2012

Active

NO

3

U65110AP1996PLC022990

SHIVA HITECH INFIN LIMITED

Director

24/01/1996

24/01/1996

30/06/2011

Active

NO

4

U45200AP1996PTC023464

SRUJATHA ESTATES PRIVATE LIMITED

Director

08/03/1996

08/03/1996

25/06/2013

Active

NO

5

L45201AP1988PLC008624

IL&FS ENGINEERING AND CONSTRUCTION COMPANY LIMITED

Director

24/01/2007

02/01/2007

26/03/2009

Active

NO

6

U93000AP2007PTC056136

AMERICAN INSTITUTE OF PATHOLOGY AND LABORATORY SCIENCES PRIVATE LIMITED

Director

30/10/2007

30/10/2007

-

Active

NO

7

U85110AP2008PTC058664

UNIQUE SPECIALISTS HOSPITALS PRIVATE LIMITED

Director

12/04/2008

12/04/2008

-

Active

NO

8

U85110AP2008PTC058679

CYBERABAD CITIZENS HEALTH SERVICES PRIVATE LIMITED

Whole-time director

05/02/2011

15/04/2008

-

Active

NO

9

U85191AP2009PTC063624

RT-MEDIBUS TECHNOLOGIES PRIVATE LIMITED

Director

08/05/2009

08/05/2009

-

Active

NO

 

 

Name :

Mr. Rudraraju Jhansi Rani

Designation :

Director

Address :

1-111/4/B/1202, Aparna Towers, Kondapur, Ranga Reddy, Hyderabad – 500 084, Andhra Pradesh , India

Date of Birth/Age :

20.08.1957

Date of Appointment :

15.04.2008

DIN No.:

01717434

Other Directorship:

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Date of cessation

Company/ LLP Status

Defaulting status

1

U01110AP1995PTC021985

SRUSMITHA ESTATES PRIVATE LIMITED

Whole-time director

01/04/2007

12/10/1995

26/11/2012

Active

NO

2

U01210AP1996PTC022876

SMITHA ESTATES PRIVATE LIMITED

Director

12/01/1996

12/01/1996

26/11/2012

Active

NO

3

U45200AP1996PTC023464

SRUJATHA ESTATES PRIVATE LIMITED

Director

08/03/1996

08/03/1996

25/06/2013

Active

NO

4

U70102AP2004PTC042920

R.R.J.R. ESTATES PRIVATE LIMITED

Director

22/03/2004

22/03/2004

-

Active

NO

5

U01100AP2005PTC045513

ARUNACHALA BIO-TECH PRIVATE LIMITED

Director

02/03/2005

02/03/2005

-

Active

NO

6

U01100AP2005PTC045512

ARUNADRI AGRO-FARMS PRIVATE LIMITED

Director

02/03/2005

02/03/2005

-

Active

NO

7

U01100AP2005PTC045514

NEELAGIRI GREENLANDS PRIVATE LIMITED

Director

02/03/2005

02/03/2005

-

Active

NO

8

U93000AP2007PTC056136

AMERICAN INSTITUTE OF PATHOLOGY AND LABORATORY SCIENCES PRIVATE LIMITED

Director

25/09/2013

30/10/2007

-

Active

NO

9

U93000AP2008PTC057812

APARNA HEALTH SERVICES PRIVATE LIMITED

Director

01/03/2008

01/03/2008

-

Active

NO

10

U85110AP2008PTC058679

CYBERABAD CITIZENS HEALTH SERVICES PRIVATE LIMITED

Director

15/04/2008

15/04/2008

-

Active

NO

 

 

Name :

Mr. Nadella Yugandhar Bukkapuram

Designation :

Director

Address :

8-2, 269/27/A, Sagar Society, Road No.2, banjara Hills, Hyderabad – 500 034, Andhra Pradesh, India

Date of Birth/Age :

22.10.1937

Date of Appointment :

30.09.2011

DIN No.:

03396602

Other Directorship:

S.No.

CIN/LLPIN

Name of the Company/ LLP

Current designation of the Director/ Designated Partner

Date of appointment at current designation

Original date of appointment

Company/ LLP Status

Defaulting status

1

U85110AP2008PTC058679

CYBERABAD CITIZENS HEALTH SERVICES PRIVATE LIMITED

Director

30/09/2011

05/02/2011

Active

NO

 

 

MAJOR SHAREHOLDERS

 

AS ON 29.09.2012

 

Names of Shareholders

 

 

No. of Shares

Dr. Rudraraju Panduranga Raju

 

240800

Mrs. Jhansirani Rudraraju

 

17131200

Srusmitha Estates Private Limited, India

 

15091850

Mrs. Smitha Rudraraju Raju

 

210800

Mr. Rajesh Varma Manthena

 

346600

Mrs. Rudraraju Sruthi Raju

 

497400

Mr. Vamsi Ramakrishna Penmecha

 

58900

Smitha Estates Private Limited, india

 

512800

Mrs. Kalyani Chekuri

 

260000

Mrs. Rukmini Budharaju

 

55000

Mrs. Vani Budharaju

 

56431

Mr. Satyanarayana Nadella

 

573243

Ms. Vijayalaxmi Budharaju

 

55775

Mr. Raju V Kanumuri

 

345373

Mrs. Lakshmi Kanumuri

 

348314

Mr. Suryanarayana Raju Penmatsa

 

46152

Mr. Krishnam Raju Manthena

 

5128

 

 

 

Total

 

35835766

 

 

LIST OF ALLOTTESS:

 

AS ON 13.10.2012

 

Names of Shareholders

 

 

No. of Shares

Dr. Balaji Prasad Goli

 

128205

Ms. Aneela Kumari Nakasani

 

205128

Ms. Padmaja Krishnaveni Rudraraju

 

256410

 

 

 

Total

 

589743

 

 

Equity Share Break up (Percentage of Total Equity)

 

AS ON 29.09.2012

 

Category

Percentage

Foreign holdings( Foreign institutional investor(s), Foreign companie(s) Foreign financial institution(s), Non-resident Indian(s) or Overseas Corporate bodies or Others

3.84

Bodies corporate

43.14

Directors or relatives of Directors

52.12

Other top fifty shareholders

0.90

 

 

Total

100.00

 

 

BUSINESS DETAILS

 

Line of Business :

Subject is engaged in the business of Design, Construction and Running of all Kinds of Hospitals, Dispensaries, Nursing Homes, Clinics, Laboratories, Diagnostic Centers, Health Clubs, Health Cities and Medical Educational Centers.

 

 

GENERAL INFORMATION

 

No. of Employees :

Not Available

 

 

Bankers :

·         State Bank of India (Lead Bank), SME Branch, 2nd Floor, Chirag Ali Lane, Abids, Hyderabad – 500 001, Andhra Pradesh, India

·         State Bank of India, # 5-8-342/1/B, 2nd Floor, Near Raghava Ratna Towers, Chirag Ali Lane, Hyderabad – 500 001, Andhra Pradesh, India

 

 

Facilities :

SECURED LOANS

31.03.2012

Rs. In Millions

31.03.2011

Rs. In Millions

Long Term Borrowings

 

 

Term Loans from Banks

378.644

43.986

 

 

 

Total

378.644

43.986

 

 

 

Banking Relations :

--

 

 

Auditors :

 

Name :

P. R. Datla and Company

Chartered Accountants

Address :

6-3-788/A/9, First Floor, Durga Nagar Colony, Ameerpet, Hyderabad – 500 016, Andhra Pradesh, India

PAN No.:

AADFP7077R

 

 

Enterprises which are owned, or have significant influence of or are partners with Key management  personnel and their relatives :

·         American Institute of Pathology and Laboratory Sciences Private Limited

CIN No.: U93000AP2007PTC056136

·         RT-Medibus Technologies Private Limited

CIN No.: U85191AP2009PTC063624

·         Shrusmitha Estates Private Limited

CIN No.: U01110AP1995PTC021985

 

 

CAPITAL STRUCTURE

 

AS ON 31.03.2012

 

Authorised Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

40000000

Equity Shares

Rs. 10/- each

Rs.400.000 Millions

 

 

 

 

 

Issued, Subscribed & Paid-up Capital :

No. of Shares

Type

Value

Amount

 

 

 

 

35835766

Equity Shares

Rs. 10/- each

Rs.358.358 Millions

 

 

 

 

 

 

AFTER 29.09.2012

 

 

Authorised Capital : Rs.500.000 Millions

 

 

Issued, Subscribed & Paid-up Capital : Rs.402.951 Millions

 

 

 


FINANCIAL DATA

[all figures are in Rupees Millions]

 

ABRIDGED BALANCE SHEET

 

SOURCES OF FUNDS

 

 

31.03.2012

31.03.2011

I.              EQUITY AND LIABILITIES

 

 

 

(1)Shareholders' Funds

 

 

 

(a) Share Capital

 

358.358

344.054

(b) Reserves & Surplus

 

46.360

32.771

(c) Money received against share warrants

 

0.000

0.000

 

 

 

 

(2) Share Application money pending allotment

 

6.510

23.475

Total Shareholders’ Funds (1) + (2)

 

411.228

400.300

 

 

 

 

(3) Non-Current Liabilities

 

 

 

(a) long-term borrowings

 

378.644

43.986

(b) Deferred tax liabilities (Net)

 

0.000

0.000

(c) Other long term liabilities

 

0.000

0.000

(d) long-term provisions

 

0.000

0.000

Total Non-current Liabilities (3)

 

378.644

43.986

 

 

 

 

(4) Current Liabilities

 

 

 

(a) Short term borrowings

 

0.000

0.000

(b) Trade payables

 

185.572

176.147

(c) Other current liabilities

 

0.000

0.000

(d) Short-term provisions

 

0.015

0.012

Total Current Liabilities (4)

 

185.587

176.159

 

 

 

 

TOTAL

 

975.459

620.445

 

 

 

 

II.            ASSETS

 

 

 

(1) Non-current assets

 

 

 

(a) Fixed Assets

 

 

 

(i) Tangible assets

 

334.740

334.745

(ii) Intangible Assets

 

0.000

0.000

(iii) Capital work-in-progress

 

433.226

115.556

(iv) Intangible assets under development

 

0.000

0.000

(b) Non-current Investments

 

0.000

0.000

(c) Deferred tax assets (net)

 

0.000

0.000

(d)  Long-term Loan and Advances

 

78.855

57.957

(e) Other Non-current assets

 

0.281

1.983

Total Non-Current Assets

 

847.102

510.241

 

 

 

 

(2) Current assets

 

 

 

(a) Current investments

 

0.000

0.000

(b) Inventories

 

0.000

0.000

(c) Trade receivables

 

0.000

0.000

(d) Cash and cash equivalents

 

65.851

88.988

(e) Short-term loans and advances

 

0.000

0.000

(f) Other current assets

 

62.506

21.216

Total Current Assets

 

128.357

110.205

 

 

 

 

TOTAL

 

975.459

620.445

 

 

SOURCES OF FUNDS

 

 

 

31.03.2010

SHAREHOLDERS FUNDS

 

 

 

1] Share Capital

 

 

0.100

2] Share Application Money

 

 

181.530

3] Reserves & Surplus

 

 

0.000

4] (Accumulated Losses)

 

 

0.000

NETWORTH

 

 

181.630

LOAN FUNDS

 

 

 

1] Secured Loans

 

 

0.000

2] Unsecured Loans

 

 

0.000

TOTAL BORROWING

 

 

0.000

DEFERRED TAX LIABILITIES

 

 

0.000

 

 

 

 

TOTAL

 

 

181.630

 

 

 

 

APPLICATION OF FUNDS

 

 

 

 

 

 

 

FIXED ASSETS [Net Block]

 

 

172.364

Capital work-in-progress

 

 

0.000

 

 

 

 

INVESTMENT

 

 

0.000

DEFERRED TAX ASSETS

 

 

0.000

 

 

 

 

CURRENT ASSETS, LOANS & ADVANCES

 

 

 

 

Inventories

 

 

0.000

 

Sundry Debtors

 

 

0.000

 

Cash & Bank Balances

 

 

9.396

 

Other Current Assets

 

 

0.000

 

Loans & Advances

 

 

1.000

Total Current Assets

 

 

10.396

Less : CURRENT LIABILITIES & PROVISIONS

 

 

 

 

Sundry Creditors

 

 

0.000

 

Other Current Liabilities

 

 

1.243

 

Provisions

 

 

0.000

Total Current Liabilities

 

 

1.243

Net Current Assets

 

 

9.153

 

 

 

 

MISCELLANEOUS EXPENSES

 

 

0.113

 

 

 

 

TOTAL

 

 

181.630

 

 

KEY RATIOS

 

PARTICULARS

 

 

31.03.2012

31.03.2011

31.03.2010

Debt Equity Ratio

(Total Debt /Networth)

 

0.92

0.11

0.00

 

 

 

 

 

Current Ratio

(Current Asset/Current Liability)

 

0.69

0.63

8.36

 

 

LOCAL AGENCY FURTHER INFORMATION

 

Sr. No.

Check List by Info Agents

Available in Report (Yes / No)

1]

Year of Establishment

Yes

2]

Locality of the firm

Yes

3]

Constitutions of the firm

Yes

4]

Premises details

No

5]

Type of Business

Yes

6]

Line of Business

Yes

7]

Promoter's background

Yes

8]

No. of employees

No

9]

Name of person contacted

No

10]

Designation of contact person

No

11]

Turnover of firm for last three years

No

12]

Profitability for last three years

No

13]

Reasons for variation <> 20%

-----------

14]

Estimation for coming financial year

No

15]

Capital in the business

Yes

16]

Details of sister concerns

Yes

17]

Major suppliers

No

18]

Major customers

No

19]

Payments terms

No

20]

Export / Import details (if applicable)

No

21]

Market information

----------

22]

Litigations that the firm / promoter involved in

----------

23]

Banking Details

Yes

24]

Banking facility details

Yes

25]

Conduct of the banking account

----------

26]

Buyer visit details

----------

27]

Financials, if provided

Yes

28]

Incorporation details, if applicable

Yes

29]

Last accounts filed at ROC

Yes

30]

Major Shareholders, if available

Yes

31]

Date of Birth of Proprietor/Partner/Director, if available

Yes

32]

PAN of Proprietor/Partner/Director, if available

No

33]

Voter ID No of Proprietor/Partner/Director, if available

No

34]

External Agency Rating, if available

Yes

 

 

NOTE:

 

·         Registered office address of the company has been shifted from 1-111/4/2/1, Vidyut Nagar, Beside Aparna Towers, Kondapur, Kothaguda Post, Hyderabad – 500 084, Andhra Pradesh, India to the H. No.1-111/4/b/103, Flat No. B-103, B Block, Aparna Towers, Kothaguda Post, Kondapur, Hyderabad – 500 084, Andhra Pradesh, India w.e.f. 28.01.2011

 

·         Registered office address of the company has been again shifted From H. No.1-111/4/b/103, Flat No. B-103, B Block, Aparna Towers, Kothaguda Post, Kondapur, Hyderabad – 500 084, Andhra Pradesh, India to the present address w.e.f.10.10.2013

 

 

INDEX OF CHARGE:

 

Sr. No.

Charge ID

Date of Charge Creation/Modification

Charge amount secured

Charge Holder

Address

Service Request Number (SRN)

1

10446755

08/08/2013

890,000,000.00

STATE BANK OF INDIA (LEAD BANK)

SME BRANCH, 2ND FLOOR, CHIRAG ALI LANE, ABIDS, HYDERABAD – 500 001, ANDHRA PRADESH, INDIA

B83863662

2

10266677

19/01/2011

650,000,000.00

STATE BANK OF INDIA

# 5-8-342/1/B, 2ND FLOOR, NEAR RAGHAVA RATNA TOWERS,CHIRAG ALI LANE, HYDERABAD – 500 001, ANDHRA PRADESH, INDIA

B05035753

 

 

 

 

 

 


CMT REPORT (Corruption, Money Laundering & Terrorism]

 

The Public Notice information has been collected from various sources including but not limited to: The Courts, India Prisons Service, Interpol, etc.

 

1]         INFORMATION ON DESIGNATED PARTY

No exist designating subject or any of its beneficial owners, controlling shareholders or senior officers as terrorist or terrorist organization or whom notice had been received that all financial transactions involving their assets have been blocked or convicted, found guilty or against whom a judgement or order had been entered in a proceedings for violating money-laundering, anti-corruption or bribery or international economic or anti-terrorism sanction laws or whose assets were seized, blocked, frozen or ordered forfeited for violation of money laundering or international anti-terrorism laws.

 

2]         Court Declaration :

No records exist to suggest that subject is or was the subject of any formal or informal allegations, prosecutions or other official proceeding for making any prohibited payments or other improper payments to government officials for engaging in prohibited transactions or with designated parties.

 

3]         Asset Declaration :

No records exist to suggest that the property or assets of the subject are derived from criminal conduct or a prohibited transaction.

 

4]         Record on Financial Crime :

            Charges or conviction registered against subject:                                                           None

 

5]         on Violation of Anti-Corruption Laws :

            Charges or investigation registered against subject:                                                        None

 

6]         Records on Int’l Anti-Money Laundering Laws/Standards :

            Charges or investigation registered against subject:                                                        None

 

7]         Criminal Records

No available information exist that suggest that subject or any of its principals have been formally charged or convicted by a competent governmental authority for any financial crime or under any formal investigation by a competent government authority for any violation of anti-corruption laws or international anti-money laundering laws or standard.

 

8]         Affiliation with Government :

No record exists to suggest that any director or indirect owners, controlling shareholders, director, officer or employee of the company is a government official or a family member or close business associate of a Government official.

 

9]         Compensation Package :

Our market survey revealed that the amount of compensation sought by the subject is fair and reasonable and comparable to compensation paid to others for similar services.

 

10]        Press Report :

            No press reports / filings exists on the subject.

 


 

CORPORATE GOVERNANCE

 

MIRA INFORM as part of its Due Diligence do provide comments on Corporate Governance to identify management and governance. These factors often have been predictive and in some cases have created vulnerabilities to credit deterioration.

 

Our Governance Assessment focuses principally on the interactions between a company’s management, its Board of Directors, Shareholders and other financial stakeholders.

 

 

CONTRAVENTION

 

Subject is not known to have contravened any existing local laws, regulations or policies that prohibit, restrict or otherwise affect the terms and conditions that could be included in the agreement with the subject.

 

 

FOREIGN EXCHANGE RATES

 

Currency

Unit

Indian Rupees

US Dollar

1

Rs.63.06

UK Pound

1

Rs.101.15

Euro

1

Rs.84.95

 

 

INFORMATION DETAILS

 

Report Prepared by :

NKT

 


 

SCORE & RATING EXPLANATIONS

 

SCORE FACTORS

 

RANGE

POINTS

HISTORY

1~10

4

PAID-UP CAPITAL

1~10

3

OPERATING SCALE

1~10

3

FINANCIAL CONDITION

 

 

--BUSINESS SCALE

1~10

3

--PROFITABILIRY

1~10

3

--LIQUIDITY

1~10

3

--LEVERAGE

1~10

3

--RESERVES

1~10

3

--CREDIT LINES

1~10

3

--MARGINS

-5~5

--

DEMERIT POINTS

 

 

--BANK CHARGES

YES/NO

YES

--LITIGATION

YES/NO

NO

--OTHER ADVERSE INFORMATION

YES/NO

NO

MERIT POINTS

 

 

--SOLE DISTRIBUTORSHIP

YES/NO

NO

--EXPORT ACTIVITIES

YES/NO

NO

--AFFILIATION

YES/NO

YES

--LISTED

YES/NO

NO

--OTHER MERIT FACTORS

YES/NO

YES

DEFAULTER

 

 

--RBI

YES/NO

NO

--EPF

YES/NO

NO

 

 

 

TOTAL

 

28

 

This score serves as a reference to assess SC’s credit risk and to set the amount of credit to be extended. It is calculated from a composite of weighted scores obtained from each of the major sections of this report. The assessed factors and their relative weights (as indicated through %) are as follows:

 

Financial condition (40%)            Ownership background (20%)                  Payment record (10%)

Credit history (10%)                   Market trend (10%)                                Operational size (10%)

 


 

RATING EXPLANATIONS

 

 

RATING

STATUS

 

 

PROPOSED CREDIT LINE

>86

Aaa

Possesses an extremely sound financial base with the strongest capability for timely payment of interest and principal sums

 

Unlimited

71-85

Aa

Possesses adequate working capital. No caution needed for credit transaction. It has above average (strong) capability for payment of interest and principal sums

 

Large

56-70

A

Financial & operational base are regarded healthy. General unfavourable factors will not cause fatal effect. Satisfactory capability for payment of interest and principal sums

 

Fairly Large

41-55

Ba

Overall operation is considered normal. Capable to meet normal commitments.

 

Satisfactory

26-40

B

Capability to overcome financial difficulties seems comparatively below average.

 

Small

11-25

Ca

Adverse factors are apparent. Repayment of interest and principal sums in default or expected to be in default upon maturity

 

Limited with full security

<10

C

Absolute credit risk exists. Caution needed to be exercised

 

 

Credit not recommended

NB

NEW BUSINESS

 

 

 

 

PRIVATE & CONFIDENTIAL : This information is provided to you at your request, you having employed MIPL for such purpose. You will use the information as aid only in determining the propriety of giving credit and generally as an aid to your business and for no other purpose. You will hold the information in strict confidence, and shall not reveal it or make it known to the subject persons, firms or corporations or to any other. MIPL does not warrant the correctness of the information as you hold it free of any liability whatsoever. You will be liable to and indemnify MIPL for any loss, damage or expense, occasioned by your breach or non observance of any one, or more of these conditions

This report is issued at your request without any risk and responsibility on the part of MIRA INFORM PRIVATE LIMITED (MIPL) or its officials.